| 成志刚,侯金阳,黄栩.瑞典养老金名义账户制的经验及其对中国的启示——基于制度适应性效率视角[J].,2019,(6):61-68 |
| 瑞典养老金名义账户制的经验及其对中国的启示——基于制度适应性效率视角 |
| The Experience of Sweden's Non-financial Defined Contribution and its Implications for China |
| 投稿时间：2019-03-29 |
| DOI： |
| 中文关键词: 名义账户制 养老保险 制度适应性 效率 |
| English Keywords:Non-financial Defined Contribution endowment insurance institutional adaptability efficiency |
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| 中文摘要: |
| 随着全球老龄化程度的加深,瑞典率先进行了养老保险制度改革,实行了名义账户制,并取得了较好的成效。中国养老保险实施的统账结合基金筹集模式面临着严峻的形势,存在着统筹层次低、隐性债务和个人空账等问题,为提高制度的适应性及效率,必须进行制度创新。文章运用制度适应性效率理论,将瑞典养老金名义账户制与中国现行制度进行对比分析,结合中国国情,得出名义账户制在中国既具有制度适应性,又存在制度适应性效率缺失。据此,我们应优化制度供给,推动制度动态改革,注重非正式制度的作用,提高名义账户制的制度适应性效率,建立具有中国特色的养老金名义账户制。 |
| English Summary: |
| With the deepening of global aging, Sweden has taken the lead in reforming the pension insurance system through the implementation of the Non-financial Defined Contribution, and achieved good results. However,China's implementation of combined account and fund raising mode in endowment insurance is facing a grim situation. There are problems such as low pooling level, implicit debt and empty individual pension account. To improve the adaptability and efficiency of the system, it is necessary to carry out institutional innovation. This paper uses the theory of system adaptive efficiency to make a comparative analysis between Sweden's Non-financial Defined Contribution and the current system in China. According to China's national conditions, it is concluded that the Non-financial Defined Contribution has institutional adaptability and lack of institutional adaptive efficiency in China.Therefore, we should optimize the system supply, promote the dynamic reform of the system,focus on the role of the informal institutions, improve the institutional adaptive efficiency of the Non-financial Defined Contribution, and establish a Non-financial Defined Contribution system for pensions with Chinese characteristics. |
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